FabSwingers.com forum: car insurance

By (user no longer on site) OP
over a year ago

Weve been given an old but good condition fiesta,we were going to use it for work etc but been on the comparison sites and its coming up £1500 to insure me.I know the post code has bad rep but ive got a clean licence,cpl of years no claims but it makes no difference.Has anybdy had the same problem?.

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By (user no longer on site)
over a year ago

Bloody hell, that's ridiculous.

I was paying a little over £400 for my 3.8 litre American Sports car.

Transferred the insurance over to a 4 year old Yaris at Christmas, and the renewal came through a few weeks ago at around £475.

I compared with the meerkats and got that down to £289 - contacted my insurance company who then got it down to £285.

And that's with two senior named drivers on the policy too.

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By (user no longer on site)
over a year ago

Your lack of no claims, plus fiestas/corsas/clios have a high claim frequency due to new drivers.

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By *artytwoCouple
over a year ago

Wolverhampton

I like to call it 'Government Sponsored Extortion' Remember this, hopefully it will catch on.

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By (user no longer on site)
over a year ago

I use the compare sites, then go to the cheapest direct. Cut out the robot and meerkat. This year compare phoned me and asked if I was happy with what quotes they gave. I said no as my current insurer was the cheapest, they then said we may have one other company to try. Got transfered to rockys wife who was not fluxed, and they quoted me 25% less than that of what my insurer at the time was quoting.

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By (user no longer on site)
over a year ago

I'm paying £1700 on my scirocco but I'm young and have points and an accident and only 2years no claims

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By *onConformistLikeUMan
over a year ago

Chorley

I'm not paying anywhere near that much but when I moved out of the sticks and nearer to the town centre my car insurance doubled. On the whole it's been getting more expensive for everyone anyhow.

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By (user no longer on site) OP
over a year ago

just had a quote of the AA,£3300

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By (user no longer on site)
over a year ago

Have to say mine has been getting cheaper each year, this year I paid 220 quid on an 18 month old dacia. I have full no claims, never had an accident or points. I guess it really is a postcode lottery these days.

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By (user no longer on site)
over a year ago

Another way of reducing your insurance premiums, though it's not something that can be done instantly, but worth thinking about for the future, is to take an Advanced Driving test.

Both ROSPA and the IAM are recognised by insurance companies.

I did mine around 18 and a half years ago.

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By *ngel n tedCouple
over a year ago

maidstone

We recently compared the meerkat for car and house insurance, now we have 2 meerkats......winning

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By (user no longer on site)
over a year ago

"just had a quote of the AA,£3300

How many years no claims do you have?

Last time I got a quote like that was about 18...

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By (user no longer on site) OP
over a year ago

im a qualified hgv driver for over 20 years with no bumps,no points so dont know why its so high

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By (user no longer on site) OP
over a year ago

"just had a quote of the AA,£3300

How many years no claims do you have?

Last time I got a quote like that was about 18...

"
only a year as we didnt need a car for a while.

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By *alandNitaCouple
over a year ago

Scunthorpe

"Another way of reducing your insurance premiums, though it's not something that can be done instantly, but worth thinking about for the future, is to take an Advanced Driving test.

Both ROSPA and the IAM are recognised by insurance companies.

I did mine around 18 and a half years ago."

I've found that you only get offered discounts by the more expensive firms for having Advanced Driver..

Similarly, you find that the companies who fit black boxes are still more pricey than the cheapest firms.

Are you getting quotes for Fully Comp or third-Party?

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By (user no longer on site) OP
over a year ago

"Another way of reducing your insurance premiums, though it's not something that can be done instantly, but worth thinking about for the future, is to take an Advanced Driving test.

Both ROSPA and the IAM are recognised by insurance companies.

I did mine around 18 and a half years ago.

I've found that you only get offered discounts by the more expensive firms for having Advanced Driver..

Similarly, you find that the companies who fit black boxes are still more pricey than the cheapest firms.

Are you getting quotes for Fully Comp or third-Party?"
both

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By (user no longer on site)
over a year ago

"Another way of reducing your insurance premiums, though it's not something that can be done instantly, but worth thinking about for the future, is to take an Advanced Driving test.

Both ROSPA and the IAM are recognised by insurance companies.

I did mine around 18 and a half years ago.

I've found that you only get offered discounts by the more expensive firms for having Advanced Driver..

Similarly, you find that the companies who fit black boxes are still more pricey than the cheapest firms.

Are you getting quotes for Fully Comp or third-Party?"

I'm fully comprehensive.

For the car I normally drive, I can't use the comparison sites, as it's an American import and so I have to use specialist companies.

However, as I'm currently driving a Yaris

, I CAN use them. As I was going through the questions on the meerkat one there was actually a question regarding Advanced driving qualifications.

To be honest though, cheaper insurance wasn't actually my motivation for doing the test. I wanted to be a safer driver.

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By (user no longer on site)
over a year ago

I'm insured on a 1.8 civic with all the modifications declared with Adrian flux and pay around £1250

Try them for a quote

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By *eavenNhellCouple
over a year ago

carrbrook stalybridge

How old is the fiesta as that can have a bearing older cars can cost more to insure. Have just changed from a 96 1.2 corsa to a 03 1.6 Astra and the Astra is £498 a year cheaper ! Older cars can cost a lot more to repair sometimes

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By (user no longer on site) OP
over a year ago

"How old is the fiesta as that can have a bearing older cars can cost more to insure. Have just changed from a 96 1.2 corsa to a 03 1.6 Astra and the Astra is £498 a year cheaper ! Older cars can cost a lot more to repair sometimes "
its an 02 plate

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By (user no longer on site)
over a year ago

"I'm insured on a 1.8 civic with all the modifications declared with Adrian flux and pay around £1250

Try them for a quote"

That's who i'm with, but they are brokers, not an actual insurance company - but they should be able to get you a good deal.

I found the opposite was true. When I switched over from my 19 year old Sports coupe to a 4 year old super

mini, the price went UP!

Older cars don't necessarily cost more to repair, in fact, more often than not, an insurance company will write the car off for what might normally be considered minor damage. Cars over 10 years old become more difficult to repair because the parts are less available.

Motor manufacturers only continue to produce replacement parts for 10 years after a vehicle goes out of production.

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By (user no longer on site)
over a year ago

When you turn 50 call Saga. I've got a 2.8 BMW Z3 and a Merc 2.3 Coupe and I insure both fully comp for £320 for the pair. That's 10000 pa miles each and with Kate as named driver.

Cheap as chips

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By *verysmileMan
over a year ago

Canterbury

A 2 ltr beetle and a new zafira.... £320 for them both.....mind you...nil points....no claims for 35 years....35 years with a licence. .....and advanced driver.

I shop around when the insurance is due as the companies take the mickey with renewals.

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By (user no longer on site)
over a year ago

£132 fully comp on my battered old 4x4 this year - and I still haggled

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By (user no longer on site)
over a year ago

Intetesting feedback here..great thread!

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By (user no longer on site)
over a year ago

When i got my audi A4 1.9tdi avant 2003 model, was quoted around £2,000 by a few companies, that is with 3yrs no claims and a clean licence and 3rd party only, looked around other sites, southern rock qouted me £500 fully comp, previous insurer said she found a quote for £1500 3rd party, i said i found a quote for £500 fully comp and unlimited mileage and said can you beat that ? No was the answer, i said bye and put phone down, insurance companies are are rip off and set the rates to suit themselves,

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By (user no longer on site)
over a year ago

"Weve been given an old but good condition fiesta,we were going to use it for work etc but been on the comparison sites and its coming up £1500 to insure me.I know the post code has bad rep but ive got a clean licence,cpl of years no claims but it makes no difference.Has anybdy had the same problem?."

The problem you have is because the car is old. What a lot of people started to do is get an old car get insurance as fully com on the cheap, which would allow them to drive another car on 3rd party (which could be worth of 20k). Insurance companies have clocked on so rather then saying that your pulling a fast one they are giving you a high price.

Maybe you can look at insurance company that installs a box in your car. So provide you drive good they will give you money back. Good luck.

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By *at69driveMan
over a year ago

Hertford

"im a qualified hgv driver for over 20 years with no bumps,no points so dont know why its so high"
. Assuming that you drive for a living , try Adelaide Insurance who give special discounts to LGV drivers . It seems odd that your quotes are so high .

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By (user no longer on site)
over a year ago

Just a thought but maybe the car was a cat write off and it's the car rather than the proposer that's causing the high premium?

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By (user no longer on site)
over a year ago

And they wonder why so any people run the risk of no insurance. Not that I condone such behaviour.

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By *harmingnhornyCouple
over a year ago

Taunton

Blimey! I have a 15 year old fiesta, only passed my test 3 years ago and my insurance is only £380 fully comp!

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By (user no longer on site)
over a year ago

Forget comparison sites use as guide perhaps go direct to the companies you will get better deal.

Comparison sites get a slice of action each time someone takes a policy out via them.

Prices are increased to allow for this. By going direct you can get in effect double discount persay.

Cut out middle man.

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By *tep121Man
over a year ago

manchester

Insurance companies use the first part of your postcode. Not all of it. I'm in the m24 area and mines relatively cheap compared to say someone in the OL1 area or M9 area

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By (user no longer on site)
over a year ago

Your post code has a lot to do with it.

A friend of mine lives over your way and, for his motorbike, using the same details his insurance was over twice as much with his post code then if he used mine in the quote.

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By (user no longer on site)
over a year ago

"Another way of reducing your insurance premiums, though it's not something that can be done instantly, but worth thinking about for the future, is to take an Advanced Driving test.

Both ROSPA and the IAM are recognised by insurance companies.

I did mine around 18 and a half years ago."

I did the same, unfortunately not a lot of insurers offering IAM reduced rates now, although the IAM have a few recommended companies.

Try insuring fully comp as bizarrely this can be cheaper than tpft.

Also get someone who has more experience than you as a named driver.

Even more bizarrely (wait for it) add a woman as a named driver. God knows why, most of them carry round a dustpan and brush to sweep up the broken glass from their mishaps.

Please note, some of the above information is genuine and 100% correct.

Other information may have been added or embellished for comedy effect......

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By *eovilcouple76Couple
over a year ago

yeovil

"Blimey! I have a 15 year old fiesta, only passed my test 3 years ago and my insurance is only £380 fully comp! "

Really? You're being shafted there. I got a quote for a £20k BMW M3 with 420 BHP and I was only looking at paying £349.

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By *errygTV/TS
over a year ago

denton

when i had a 3 yr contract working away i rented a house and insured my car from there, one of my fellow workers went from 1100 to 450, just transferred log book into new address, not sure if fully legal

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By (user no longer on site)
over a year ago

My partner was a drive. He now does computer development. Insurance halved. Try tesco.

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By (user no longer on site) OP
over a year ago

"Just a thought but maybe the car was a cat write off and it's the car rather than the proposer that's causing the high premium?"
no my daughter has given it to us

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By *obandruthCouple
over a year ago

wolverhampton

We have an older fiesta and had a quote fully comprehensive with 1 years no claims £ 217 .

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By (user no longer on site)
over a year ago

Age hath it's benefits ....unlike on site....lol

£225 for Fiesta ST

£243 for Honda 4×4

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By (user no longer on site)
over a year ago

Try ( lloyds insurance ) i av just insured mine bmw 116i fully comp with 6yr no claims, road and home asstiance, plus others . For 328

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By (user no longer on site)
over a year ago

"Also get someone who has more experience than you as a named driver.

Even more bizarrely (wait for it) add a woman as a named driver. God knows why, most of them carry round a dustpan and brush to sweep up the broken glass from their mishaps. "

This makes no difference. Premiums are all based on risk, and therefore will be based on the experience, age and sex of the riskiest driver being insured, particularly if they are the main driver.

Insurance companies are also wise of the fact that some car owners try to lower their premiums by having a less risky, more experienced driver as the main driver, with the more risky, less experienced driver as a named driver - when in fact that driver is the owner of the vehicle.

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By (user no longer on site)
over a year ago

"Also get someone who has more experience than you as a named driver.

Even more bizarrely (wait for it) add a woman as a named driver. God knows why, most of them carry round a dustpan and brush to sweep up the broken glass from their mishaps.

This makes no difference. Premiums are all based on risk, and therefore will be based on the experience, age and sex of the riskiest driver being insured, particularly if they are the main driver.

Apologies, I misquoted myself, what I meant to mean was the policy in your own name, which it should be, and having a more experienced driver as a named driver.

This happened to me a few years ago when I was married, went from a company car to having my own car, so nil no claims bonus. But having the policy in my name and the ex wife as a named driver the policy fee came down.

None of these may be valid points now as insurance companies change the rules the way most of us change our socks.

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By (user no longer on site)
over a year ago

I drive a fiesta St I only pay £330 per year I hope that helps you get a better quote

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By (user no longer on site) OP
over a year ago

Just rang Lloyds who i bank with,with a 10% discount it was £1700 a year.wtf

looks like its going back.

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By *iss_Samantha_LovecockTV/TS
over a year ago

bmth /poole sometimes blandford

try a broker ..they got me a great deal

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By (user no longer on site)
over a year ago

If they still do it in the back of mags like fast car you should find a ton of high risk insurers, go through them all, may not pay off did for me a while back, was getting 2 to 3k quotes, high risk company ringing day got it down to £900 kept it for a year then switched to mainstream

Not sure if still the same but worth a look

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By (user no longer on site) OP
over a year ago

Thanks for your advice,ill take it onboard but not looking good.Like a previous poster said before,you can understand why folks drive uninsured,ill never condone it but you can understand.And i think a car now is a luxury not a necessity.

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By *at69driveMan
over a year ago

Hertford

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By (user no longer on site) OP
over a year ago

"Thanks for your advice,ill take it onboard but not looking good.Like a previous poster said before,you can understand why folks drive uninsured,ill never condone it but you can understand.And i think a car now is a luxury not a necessity.. Have you tried speaking to a broker ? Comparision sites do not always give the cheapest quotes. . Do you have any no claims bonus . How much was you daughter paying to insure it ?. "
only 2 years no claims as i didnt need a car before.As for my daughter,she was also charged the earth but could afford it as she has a very well paid job.And you cant find a broker round here for love nor money as its all online.

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By *rtscplCouple
over a year ago

baldock

use Comparison sites for quotes but remember direct line and Aviva are not on these sites. do u cashback sites ie. quidco are topcasback

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By *ickingFantasticMan
over a year ago

Fareham

the advice about putting a female named driver on your policy is sound, I was advised to do so on the sports car i bought a few years back, i asked for a quote both with and without my mum on the policy, the premium with came down £200, even though she never drove it.

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By (user no longer on site)
over a year ago

Wow

Some of the figures here are eye watering, Im currently sub £200 and that for a 1 and half year old Astra

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By (user no longer on site)
over a year ago

"just had a quote of the AA,£3300

Choose employment carefully. I have to be artistic with what I put as its one of the highest risk categories. You do however find a similar named job description that means something totally different - and a fraction of the cost. That was from the horses mouth too. Guy I had a few years ago was really helpful telling me the ins and outs. So to speak

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By *ig1gaz1Man
over a year ago

bradford

I was quoted 1,000 for a peugeot 406 diesel with nil no claims but have been driving for 20 years now

if you have had no insurance for 1 year you will be on nil no claims unless you find an insurance company that uses the 2 year rule

I tried everything like you and i always got quotes or higher even with the smaller cars like ford vaxhall and peugeot

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By *errygTV/TS
over a year ago

denton

very crafty dont insure for a year lose no claims, another rip off, i think your no claims should be on hold or at least decline 10% a year while your not insuring a car,

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By *lue BelleWoman
over a year ago

Caernarfon. North Wales

Just got my renewal quote today and its gone up £30 a month now its £93 a month for a Renault coupe 1600 and thats with the RAC and I'v been with them for yrs. time to look elsewhere I think

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By *errygTV/TS
over a year ago

denton

ive found that if you stay with same insurance they do increase the cost, i went online got a quote for 400, following year it was 600, must have assume i would auto renew, i went again on compare websites and got it for 400 ish, i would have thought once they have your custom they would compete to keep you, it pays to shop about each year

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By (user no longer on site)
over a year ago

It is true to meet the co2 reduction each country is obliged to make the price of running a car is one aspect being deliberately inflated,

hope you get it sorted though,

we cant let them win,

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